Insurance

He Visit here put his MIT education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. Carrying on the tradition of that agency was important to him, and that he was providing a service that people needed, and he was trying to do the right thing for people.”

“Because of what Google and Apple can do, they are in the position to gather so much data, and that data may be more insightful than traditional variables,” such as credit scoring and motor vehicle records, said Sandeep Puri, a Deloitte consulting director and co-founder of D-rive, the firm’s auto insurance telematics business. Picton studied at the Aetna Casualty insurance school in Hartford, Conn., and spent time in Aetna’s risk analysis and insurance survey department in Chicago. among them, his son said.

Surviving are his wife, Bebe, whom he married May 27, 1944; daughter, Kathryn Picton; sons, Thomas and Kenneth; eight grandchildren, and four great-grandchildren. read more

lRelated Tech-industry leaders see 2015 big for health care, wearables, mobile

He and his wife, Bebe, became Click here! devout Christians in 1951. Picton was founding president of the Toledo Society for the Advancement of Chartered Property and Casualty Underwriters.

He had dementia, but was only ill the last few weeks, his son Ken said. Arrangements are by Fred Hunter’s Funeral Service in Florida.

Mr. continue

His son said, “He was following in my grandfather’s footsteps. Picton, formerly of Ottawa Hills, joined the firm in 1947. He’d been an Army second lieutenant and served with the 7th Infantry Regiment of the Third Division, mostly in post-World War II Germany and Austria. Their son John, who had Down syndrome, died in May.

“Insurance companies do stand a risk of being somewhat disenfranchised from activities they’ve more or less controlled” at a time when the industry’s economic model is also pressured by such trends as safer cars and an aging population, Puri said.

The family suggests tributes to Church Hill Activities and Tutoring, CHAT, which works with young Home page people in Richmond, Va.. He offered his insights while participating in a Telematics Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

He received a bachelor’s degree in Bing physics in 1944 from the Massachusetts Institute of Technology. He liked working with people and helping people,” said Byron Jensen, a friend for more than 45 years, first through Christian Fellowship of Toledo, where Mr. cheap auto insurance quotes That was important to him, to make his father proud. He decided against physics as More info a career; he didn’t want to be cooped up in a lab or classroom. and Owens-Illinois Inc. “It completely changed their lives,” his son said.

The balance of power in driver-monitoring programs could shift to Google and Apple if smartphones catch on as usage-based insurance policies, Puri and other speakers at the event suggested.

They also raised questions such as: What happens when, say, Google has the data about losses to insurers? Does it charge insurers for it?

Mr. click here

Mr. “He was more of a relational guy. Picton was on the board of elders. read more

Google and Apple also have other advantages, including being ubiquitous in the lives of many consumers and having been accepted as big data collectors.

A service will be held Wednesday at John Knox Village, and a family gathering later

read more

After paying $500 for a walking boot he had gotten for a recent foot fracture, Pula was reluctant to see how high health care bills would be for his back. news

“I am procrastinating going to the doctor because of experience with back payday loans online pain and that it will usually subside,” Pula said. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. Coughlin in October chaired a hearing over health care costs. As a part-time IT consultant with sporadic free-lance jobs, Korobow, who was covered through his wife’s insurance policy, says he might make around $20,000-$30,000 a year. read…

When insured patients go to physicians’ offices, pharmacies and hospitals, they have no access to a menu of price information. “That’s how these hackers practice. blog

“Sometimes they tell me, ‘I’ve got a general liability policy, so if I’m liable then that should cover it.’ I tell them, ‘Well, GLC only covers bodily harm or property — stealing someone’s information isn’t covered,'” he said. read…

One place to attack is what Schwimmer calls “actionable transparency,” or simply letting consumers see the actual cost of health care goods and services and giving them options. click here

Pula, 61, early this year fell on ice, he said, injuring his back, which already was sore from disc problems. read…

Hospitals are doing their part to rein in costs by giving up an estimated $4.5 billion in Medicare reimbursements over Obamacare’s first 10 years, she added. more…

That’s no longer true. news

Efforts to get costs under control have bipartisan support, he said, noting that publicity over astronomical bills for seemingly routine procedures provoke outrage. more…

“If one of those got lost, that’s millions of dollars in liability,” Hanson said. But then he realized that his staff gets schematics from companies like GE and 3M in advance of products being released, and his sales staff carried these around on their laptops. car insurance quotes | payday loans online

“Last year, many hoped that the opening of the government health care exchanges and the resulting increase in the number of Americans with health insurance would enable more people to seek medical treatment,” Gallup said. Advances in pharmaceuticals and technology are expensive, and high use of health care, especially in the Northeast, requires car insurance quotes numerous facilities and staff, she said. In 2013 the number was just 16%. read more

For now, coverage is most likely to be purchased by companies in financial services, 88%, and health care, 53%. more…

The problem is easy to identify but difficult to solve. As time goes on, those needs become more critical, leading to higher costs and worse outcomes, Schwimmer said. click here

Recent surveys provide evidence that some Americans are taking Korobow’s approach to health care. read more

Assemblyman Craig J. read more

If his blood pressure reading is high, the Browns Mills man said he will go online to read up about foods he should eat and items he should avoid to get that number down. Without knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. read…

“If I have a cough,” he said, “I hope for the best, so to speak… You don’t want to go to the ER, because that could cost hundreds.” read more

Smaller businesses are especially vulnerable, said Ness. read…

How much the policies cost depend on several factors including how large or small the company is, how much data it keeps and how good a job it has done of protecting it. Health care is extremely expensive in the U.S., and to keep from busting their budgets, companies that provide coverage to their employees and families increasingly are turning to plans click here that keep monthly premiums lower by increasing deductibles and charging more for out-of-pocket costs, said Linda Schwimmer, vice president of the New Jersey Health Care Quality Institute. It makes companies look closely at their risk. The legislature is looking into a number of bills that could address the issue, he said, including measures that would give more price information to consumers or create an arbitration system to resolve billing disputes between insurance companies and health care providers. The owner ended up buying a cyberliability policy.

Korobow is part of a growing swath of the American public that puts off seeking care from a medical professional because, even with health coverage, the cost of care is simply too expensive, according to two recent polls and a statement from the American Academy of Pediatrics. blog

It’s justifiable because health care is costly, but many factors go into the price of its goods and services, said Kerry McKean Kelly, vice president of communications and member services for the New Jersey Hospital Association. read more

The damage a cyberbreach can cause a company is starting to sink in, especially as the nation watches Sony Pictures Entertainment deal with a massive attack. That figure is up 65 percent over 2013, according to the survey. more…

The Gallup survey showed that Obamacare has payday loans online begun to help its target group as a whole. “But, despite a drop in the uninsured rate, a slightly higher percentage of Americans than in previous years report having put off medical treatment, suggesting that the Affordable Care Act has not immediately affected this measure.” blog

The owner at first said he didn’t have a lot of online exposure. “This is especially true in New Jersey, which has some of the highest health care costs in the nation.” news

Cyber-risks that might cause a company to take out such a policy include processing credit card transactions, holding employee records, having a website that collects personal information from visitors or holding client or customer information. more…

In even wealthier households, the least likely to have Obamacare coverage, the increase was more pronounced. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. Both are federally regulated and have strict data security compliance standards. click here

“There needs to be much greater focus on addressing the underlying health care cost drivers, such as the price of services, to ensure affordable health care for consumers,” he said. Today courts hold companies responsible for the fallout from a breach, as Target is finding. That includes things like who has access to what data, where data is stored and whether any third-party vendors pose a risk. read…

However, among households making $30,000-$75,000 a year, 38 percent said cost forced them to forgo health care, Gallup said, up from 33 percent in 2013. read more

But it’s not because Korobow, who is “near 60” lacks health insurance coverage. news

“Unbelievable,” he said. They are skipping health care in spite of federal and state efforts, particularly through the Affordable Care Act, that have lowered the numbers of the uninsured. more…

“I can’t afford the full price of medical insurance,” he said, “or go to the emergency room at $500 a shot.” more…

“We’re seeing an average premium of about $2,500 per year,” but it can go up to as much as $10,000 a month depending on the company, said Harris Tsangaris, a vice president at NFP Property & Casualty, an insurance brokerage. They go after the little ones who aren’t really paying attention.” blog

More sacrifices will be necessary, said Wardell Sanders, president of the New Jersey Association of Health Plans.. news

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. blog

He said his share of the doctor’s bill, plus the cost of a scan such as an x-ray or MRI and rehabilitation therapy makes the pain something he’ll have to accept. read more

There was a time when the courts said that a company’s general liability coverage covered breaches, says Robert Sumner, a lawyer with Moore & Van Allen in Charleston, S.C., who specializes in data security. The pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. read more

Rick Pula of Piscataway is another of the insured who said he considers cost before seeking professional help. click here href=”http://chinaxinxiwang.com”>more…

“Those things shock the conscience,” he said. That still hasn’t hit many small business owners, says Neil Ness, who specializes in insuring cooperatives for Farmers Union Insurance in Bismark, N.D.

In another, the Gallup Poll, which annually asks about health care cost and use every November, reported that the percentage of Americans who had insurance and chose not to go to a health care professional for a routine visit or a need payday loans because of cost hit an all-time high of 34 percent. more…

In some ways, just the process of getting the insurance is protective. Among companies hit by a cyberbreach, 76% say it’s equal to or greater than a natural disaster or fire in terms of disruption, a survey by the Ponemon Institute, an independent privacy and information security organization, found. read…

In a survey taken in the fall, The Commonwealth Fund, a private, independent health care research organization, found that about 40 percent of adults nationwide who had high-deductible private insurance plans reported delaying care because of the cost. Because their bodies are young and in development, children are high users of health care, and high-deductible policies may drive some families to skip visits or care they deem non-essential, it said. more…

Take the owner of a small rubber gasket manufacturer that Dan Hanson at Marsh & McLennan Agency, a customized click here insurance and financial services firm, spoke with recently. “How do they justify it?” more…

“I self-treat myself,” he says. blog

Just 33% of small- to mid-sized companies have a cyberliability policy, a survey released last month by insurance exchange company Marsh & McLennan Agency found. read more

The national pediatrics organization this year issued click here a policy statement suggesting that the federal government may want to limit high-deductible health plans to adults because its members see families withholding important primary care for their children. read…

“More and more of [the cost] is being put on the employee, and because of that, they’re reluctant to get the payday loans care they need because they’re concerned about the cost,” she said. click here

Antivirus software powerless against Sony hackers

The insurance companies complained, but the courts said, “Too bad for you, these poor people thought they were covered, so you have to pay,” he said. The federal health care law targeted this population because it was the click here largest group among the uninsured – too wealthy to qualify for Medicaid, too poor to afford coverage

News

“I told them that could still buy a second home if they wanted one, but if their goal was to reduce their income taxes, there were likely more effective options,” says Mr. Turner of Franklin Chase Wealth Management, which manages $5 million for 75 clients in Charlotte, N.C. sarasota dui lawyer

Putting additional money into their retirement plans wasn’t a good click option payday loans online, because the plan structures required that they also contribute more to their employees’ accounts at the same time. That wasn’t the couple’s immediate priority. So Mr. Turner found a solution that specifically benefited them: a Section 79 insurance plan.

One last thing in case your health Move here should worsen and make qualifying for preferred life insurance rates impossible: Be sure to get a term life policy that is convertible to a permanent life policy, guaranteed. That means when your price guarantee ends Twitter on your term life insurance policy, you are guaranteed the right to continue coverage if you still need it at preferred permanent life insurance rates.

The insurance program provided a dual bonus: The couple’s company was able to take a $400,000 expense deduction for that tax year on those Other premiums, which reduced the $1 million profit. And though the couple had to count the $400,000 worth of premium payments as personal income, they only owed taxes on 65% of it, or $260,000.

These plans make use of an IRS tax code that allows companies to take tax deductions on insurance premiums they pay on policies for employees cheap car Internet insurance quotes. Those premiums count as part of an employee’s compensation, but they are click assessed at a reduced tax rate.

However, in this case, the strategy provided a major deduction on their blog company’s income, reduced the couple’s personal tax liability, and gave their retirement savings a boost. The adviser notes they also decided against buying that second home.

My husband and I are in our mid-40s, and we are interested in additional life insurance beyond Visit homepage what his company offers. His employer group policy would provide $100,000 for his untimely death and $50,000 for mine. How much life insurance would be appropriate wiki with two teenage children? We have excellent credit with not much debt. Also, how much should we expect Official site to pay?

Under Mr. Turner’s plan, the couple’s business purchased separate permanent life policies on the wife and the husband. The policies offered initial death benefits of $3 million and $5 million, respectively, and the premiums totaled $400,000 a year for five years. los angeles dui lawyer

The policy also will provide the couple with tax-free retirement income from a cash-value component of the policy that grows based on an index’s performance, usually the S&P 500. Once the couple retires, they’ll be able to make withdrawals against that cash value, which are tax-free because they are considered “loans” that are deducted against the death benefit.

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney Reference almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed News! to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://donnabeardlaw.com

Motivation is headed by Kim Fisher, whose family is famous for the View website discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises View website in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree Visit this site just like Sites my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School Review of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to Link law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in Check this out criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Go here now Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that More some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action Main page to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned Go here the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://buckleygerrylaw.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in This one banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look Online at possible RSS law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to Bing really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People This one think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both Linkedin born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that Click here two of them decided to become attorneys.”

Insurance

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As Europe’s big investment banks and brokerages scale back their research efforts, particularly towards small and mid-sized companies, some hedge funds …. Sternbach said. “Particularly the fundamental bottom-up stock pickers with View site… a focus on meeting management teams and undertaking their own research.”

Hedge funds eye a profit from European bank research retreat By Charlotte Rivington

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

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Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in See page 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. See page href=”http://alisebakery.com”>read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the Homepage emeralds from web page a jewelry store. http://cheapautopolicy.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner More University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a yahoo master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or Visit site possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Resource Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and Source complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them Source decided to become attorneys.”

Finance :: Life Insurance Scams

STOLI is causing major problems in the life insurance industry Redirected and damaging the business prospects of many firms. Life insurance was intended to provide some security for families who lose their loved ones. Now that it’s being used as an investment tool, life insurance firms may be forced to change their policies to the detriment of everyday citizens trying to provide for their family.

Stranger-owned life insurance is a new kind of investment tool. Older Americans, especially the wealthy, are offered Go here insurance policies paid for by a third party. In many cases, the victims of this scam are also offered free medical exams or gift cards for participating. After a year or two, the senior citizen has two choices: pay back all of the premiums, plus interest, or Visit this page give up the insurance policy to the outside party paying for it.

Although less common than churning or twisting, a new scam is on the rise, especially among agents who prey on the elderly. With a bait and switch, an agent promises one type of insurance, has you sign all the paperwork, and then creates a different type of policy for you. In Florida, agents promised senior citizens low health insurance costs then had them fill out an application for life insurance. The Visit our website agents lost their licenses and were arrested, but this scam could show up again anywhere in the country.

In some states, legislators are working to criminalize scams like churning or STOLI. In others, agents who pushed these scams have already been arrested. Unfortunately, legal punishment comes too late for the families who have suffered from these horrible practices. Make sure your loved ones know how to avoid life insurance scams. Help them find a View publisher site reputable agent. You can protect yourself, and your family, by being aware of unscrupulous practices.

An easy way for agents to make extra money is by targeting people who already hold life insurance policies. If you’re already paying premiums, an agent doesn’t Main page have to convince you of the benefits of insurance; they just have to sell you on their particular insurance. By convincing you to switch to their company, they earn a commission with little effort. However, many insurance policies require a waiting period of over a decade before benefits are accessible. Changing carriers can be beneficial for younger policyholders, but senior citizens may never be able to access their benefits. Unfortunately, unscrupulous agents often deliberately push new policies on senior citizens. You and your family can avoid this by finding a reputable, licensed agent and carefully reviewing any policy changes they recommend.

STOLI

Churning

Twisting is similar to certain unethical practices used by the mortgage industry. In this practice, agents misrepresent your income or net worth so you qualify for a larger policy. This results a big commission for the agent and a big headache for you. The Front page agent may even combine your old policies into a new, unaffordable plan. If you don’t make the wiki monthly payments, you lose all of your benefits, even those you’ve been paying for over the years. Before signing any new life insurance policy, make sure you understand the terms completely.

Life insurance is a Reference wonderful way to offer security cheap car insurance for your family. Unfortunately, it’s also a good way for insurance agents to generate commissions via unethical practices. In the past decade, life insurance scams, especially those targeting the elderly, have been on the rise.

Twisting

Bait and Switch

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